What is Uninsured Motorist (UM) Coverage?
Insurance glossary entry on BeCovered.ai for the term "Uninsured Motorist (UM) Coverage": Pays your bodily injury damages when an at-fault driver has no insurance or in some hit-and-run cases. Scope: plain-language meaning for coverage discussions; confirm definitions on your policy forms.
Pays your bodily injury damages when an at-fault driver has no insurance or in some hit-and-run cases.
Understanding Uninsured Motorist (UM) Coverage
UM statutes vary widely—some states require offer/rejection forms. Stacking rules and offset against liability payments differ. Property damage UM exists separately in some states.
Examples
- Hit-and-run with no identified vehicle—UMBI may apply per state form.
- Drunk driver with expired policy—UM steps in up to purchased limits.
Common Questions About Uninsured Motorist (UM) Coverage
UM vs UIM?
UIM applies when at-fault driver has insurance but not enough. Limits and offsets vary—read the UM/UIM endorsement.
Do I need UM if I have health insurance?
Often yes—UM can cover pain and suffering and wage loss beyond health coverage limits.
Related Insurance Types
Related Terms
Liability
Legal responsibility for causing harm or damage to another person or their property.
Umbrella Insurance
Extra liability coverage that kicks in when your auto, home, or other policy limits are exceeded.
Coverage Limit
The maximum amount your insurance company will pay for a covered claim.
Claim
A formal request to your insurance company for payment or coverage for a loss or policy event.